The Washington Post did a very interesting article last month (link below) that states most of the stocks and bonds we invest in have been over leveraging the companies in order to improve their bottom line and keep their dividends to investors up and stock price up.

I know that in MN, a business held as a rental cannot have work performed on it, outside of general contracting, by non-bonded/licensed contractors (i.e. it's illegal to do the electrical/plumbing/HVAC in a non-personally-owned property if you aren't a licensed contractor for those trades). 

my problem is the wording when it comes to varies terms such as mortgage, deed of trust, bonds in finance, i don't know how these words are used on a contract during a real estate transaction my guess is they are used during the drafting of new contractual agreements where you have pens at some table and multiple indivisuals signing there names at a specified area of the contract, and the words may also be used as contingency personally i would like to speak with a real estate attorney about this issue but i am operating on very limited knowledge 

My recommendation if you want to get into rentals is to see if you can find some really flexible sellers who will owner finance or even do a bond for title.Owner finance would be ideal, because then after a year or so you could hopefully refi out of it based on appraisal and seasoning.Bond for title you would not have any ownership necessarily so you cannot use it on a refi as pmt history.Another thought is to buy a fixer upper through owner financing or a lease option, live in it and fix it up and sell after 2 years to avoid taxes (a little more to it than this, but you get the idea).Or you could look into some creative ideas other than wholesaling, similar to Azam Meo's ideas (I personally like his ideas - very creative).Bottom line is I think if you want it bad enough, you will find a way to do it.

If you have no experience or don't have anyone who you can turn to you may want to find someone who can help you out.As much as like multi families and managing them I also own a few REITS and part of my strategy is to invest a good part of my returns from my multi family investments into the securities market (stocks,bonds,REITS ETC) I have dollar cost averaging setup monthly so I invest a specific amount every month into the stock market.

It took me over 5 years to rotate my savings from stocks/bond to cash flow (2002-2007) before I had enough cash flow for my living expenses.

I know they only plan to raise 1/4 point, but mortgage rates key off the treasury bonds which move independent of the fed.

Its a financial instrument (like a bond or stock). 2.

It can be "safer" buying through a broker who has a good reputation as they will do much of the due diligence and be bonded and insured and regulated, a note holder may not be able to buy back a note if they lied to you.

For a buy and hold investor, anything above a 3% Cap Rate is considered an acceptable return in NYC, as people buy and hold to have the appreciation, and it is almost like buying real estate as a bond (safe & stable investment).